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Business Line of Credit

Access flexible funding that adapts to your business needs. Draw funds when you need them, repay, and reuse without reapplying.

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Why Choose Our Business Line of Credit

Revolving Credit

Borrow, repay, and reuse as often as you need without reapplying. Your credit line remains available for future needs.

Flexible Terms

Tailored repayment plans that work for your business cash flow. Choose payment schedules that match your revenue cycles.

Customizable Options

Choose amounts and schedules that fit your specific needs. Adjust your credit limit as your business grows.

What is a Business Line of Credit?

A business line of credit offers on-demand access to working capital. You can draw funds whenever needed, pay back, and use again. This flexible structure helps manage cash flow, handle unexpected expenses, and invest in growth opportunities without the constraints of traditional loans. It's like having a financial safety net that's always available when you need it most.

Key Benefits

Pay Only for What You Use

Interest is charged only on drawn amounts, not your entire credit limit. This makes it a cost-effective solution for managing cash flow.

Instant Access to Capital

Quick funding so you never miss an opportunity when it arises. Access funds 24/7 through our online portal or mobile app.

Build Business Credit History

Strengthen your credit profile while growing your company. Responsible use of your line can improve your creditworthiness.

How Do I Apply for a Business Line of Credit?

1

Complete the online application

Simple form that takes just minutes to complete with basic business information.
2

Get a fast decision

Often within minutes of submitting your application with instant preliminary approval.
3

Access your available funds

Draw funds anytime through our online portal or mobile banking app.

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Are We a Match? Here's What's Needed to Apply

At least 1 year in business
Minimum $100K in annual revenue
Fair or better credit score
Business bank account

Frequently Asked Questions

A term loan provides a lump sum upfront with fixed monthly payments, while a line of credit offers flexible access to funds that you can draw from as needed, paying interest only on the amount used. Think of a term loan like a traditional mortgage and a line of credit like a credit card with a higher limit and lower rates.

You'll make monthly payments based on your outstanding balance. As you repay, those funds become available to borrow again, similar to a credit card but typically with lower rates and higher limits. Most lines have a draw period (1-3 years) where you can access funds, followed by a repayment period.

Requirements typically include at least one year in business, $100K+ in annual revenue, a fair or better credit score, and an active business bank account. Some lenders may have additional requirements based on industry, time in business, or financial history.

Our initial application uses a soft credit check that won't impact your score. Only if you proceed with an offer would we perform a hard inquiry, which may have a minor, temporary effect on your credit score.

Once approved, you can typically access funds within 24 hours, with many clients receiving same-day funding. After initial setup, future draws are often available instantly through our online platform.

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